Personal Insurance

Making Sure You Have the Right Auto Coverage

Dropping some of your coverage—like comprehensive or collision—to the lowest legal level can cut your premium, but it could also put you at serious risk. An automobile insurance policy is designed to provide you with a level of protection against property, liability and medical costs if you […]

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Are You Prepared for a Home Break-in?

While it may be difficult to imagine it happening to you, home break-ins are a common occurrence. If an intruder enters your home, your property and the well-being of your loved ones are at risk. In order to protect your home and family from an intruder, consider […]

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Remember Risk! Planning for Financial Stability

Obtaining the peace of mind financial stability brings starts with reviewing your current financial resources. This is important because your financial resources affect not only your ability to reach your goals, but your ability to protect those goals from potential financial crises. These are the resources you […]

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Insuring Your College Student

When your child leaves for college, it is a big event. One thing that you should think about is your insurance coverage and how it could change with your son or daughter away at school. Protecting Your Student’s Belongings Many homeowners policies consider a dorm room as […]

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Boat Insurance for Smooth Sailing

You can insure just about any kind of vessel, whether you have a yacht, speed boat or personal watercraft like a JetSki. Every type of boat has the potential to be stolen or damaged, and can be involved in an incident that results in harm to another […]

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Grilling Safety Reminders For Your Summer BBQ

Though grilling is an extremely popular way to prepare food in the summer, it can also be dangerous. According to the U.S. Fire Administration, gas and charcoal grills account for an average of 10 deaths and 100 injuries annually. Additionally, the National Fire Protection Association reports that […]

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Summer Water Safety Refresher

Summer Water Safety Refresher Teach children water safety and swimming skills as early as possible. Always brief babysitters on water safety, emphasizing the need for constant supervision. Appoint a “designated watcher” to monitor children during social gatherings at or near pools. Equip doors and windows that exit […]

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Facts About Flash Floods

Flash floods occur as a result of heavy rainfall, rapid snow thaw, city drains overflowing or dam/levee failures. They occur quickly and unexpectedly, within 6 hours of the events that caused them. Here are more facts to give you an idea of how dangerous flash floods can […]

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Have New Jewelry in the House? Protect it!

The Holiday’s may be over and Valentine’s Day is approaching, and while it may be cold outside love is still in the air. Well, love and a few other things perhaps, such as new jewelry. It’s exciting to receive jewelry from a loved one – or to […]

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Personal Umbrella – The Ultimate Armor for Today’s World

A personal umbrella policy is sometimes misunderstood. That’s unfortunate because the personal umbrella is an insurance “best buy”. It is inexpensive and does its job well. Let’s take a look at just what this policy does, determine if you need one, and decide if it’s worth it […]

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Protect Your Family From the Dangers of Carbon Monoxide

With winter weather affecting us all in our attempts to remain comfortable, it’s also the time of year which presents the greatest risk for an invisible threat. Carbon monoxide is an odorless, colorless, invisible gas that results when certain fuels do not burn completely. And it can […]

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Personal Umbrella – The Ultimate Best Buy

A personal umbrella policy is sometimes misunderstood.. That’s unfortunate because the personal umbrella is an insurance “best buy”. It is inexpensive and does its job well. Let’s take a look at just what this policy does, determine if you need one, and decide if it’s worth it […]

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Pros and Cons of Higher Deductibles for Auto, Home and Business Insurance

As insurance costs rise, more individuals, families and businesses are looking at using higher deductibles. Choosing the right insurance deductible is important and it does take some thought. There are advantages and disadvantages to increasing your deductibles. So here are some things to consider before you make […]

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Auto Insurance State Minimums Probably Aren’t Near Enough

There are a wide variety of silly and somewhat funny things we can do from time to time, like telling people that dihydrogen monoxide is coming out of the sink (dihydrogen monoxide is the chemical name for water), but one thing you should avoid falling for as […]

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Are Car Insurance Ads Mind-Boggling to You?

Well, do not feel bad, you are not alone. Car Insurance ads are mind-boggling. Most of them are based on price, then price, and lastly, price. Frankly, it is not that simple. I am sure you have heard the phrase, “A rose is a rose is a […]

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Refresher on Water Sport and Boating Safety

Stay safe while enjoying the water this summer. As we enter the start of summer, people will spend more time on the water skiing, boating and riding personal watercraft. But with more people on the water comes more potential for injuries. According to the U.S. Coast Guard, […]

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Summer Party Safety

Safety Makes Your Summer Party Memorable—In the Right Way Summer is truly party time in America between friends and family. But homeowners should be aware of the risks associated with these get-togethers. Before reviewing safety tips, let’s look at three common risks for which a homeowner might […]

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Do You Have the Right Car Insurance?

Drivers too often miss out on the best value. Here’s how not to make that mistake: Car insurance is inherently tricky to navigate because you don’t find out just how well it works (or doesn’t) until you have an accident. And if you’re lucky, that doesn’t happen […]

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Prepare Your Yard for the Hot Weather

Summer is almost here! Take the time to get your yard in shape so you’ll be ready for the coming hot weather. Prepare Your Soil Begin with a soil test. The quality of soil tends to change over the years; normally the earth becomes increasingly acid the […]

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Getting the Most Out of Your HVAC System This Summer

April showers bring May flowers… and often June, July and August heat waves. If you’d like to enjoy your HVAC cooling system to the fullest this summer without breaking the bank, spring is the time to take a few simple steps to prepare. First Things First Why […]

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Spring Cleaning Tips

Spring has arrived, which means it’s time for spring-cleaning! You may not be looking forward to spending the next few weekends removing the grime that winter left behind, but you know the result is worth it: a cleaner, brighter, fresher home. To help you get started, we […]

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Why Every American Needs an Independent Agent

Independent Agents do all the work– We are advocates who can check on several markets for clients to ensure they have the best premiums and plan provisions based on their information and needs. Clients only have to give us their information once, and we take it from […]

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Burn, Rake, or Mow? A Seasonal Question?

The warm days and cool nights of autumn will soon arrive along with those beautiful leaves that we all enjoy so much. As majestic as those trees look while the leaves are still attached, what do we do when leaves begin falling to the ground, covering the […]

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Keep Your Trick or Treaters Safe This Halloween

It’s dark, and the sidewalks are full of young kids walking up to every house on the block and declaring, “trick or treat!” — all while wearing masks. Sounds like a recipe for disaster, but we all know that Halloween is great fun for children and adults […]

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Heating Systems Need Preseason Maintenance & Inspection

With football season already upon us, can winter heating season be far behind? Whether you are maintaining a home heating system or equipment at your business, preventive maintenance is important, especially for hot water or steam heating boilers. Heating boilers can cause extensive damage due to explosion […]

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Protect Your College Student’s Possessions

Do you have a young adult attending college? College can be a fun time for the student but a stressful one for the parent. Reduce some of the stress by planning ahead to make sure your college student has appropriate insurance protection while away at school. Insurance […]

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Time to Inspect Your Deck

There are roughly 40 million wood decks in use across the U.S., most of them between 10 and 15 years old, according to the North American Deck and Railing Association (NADRA). While decks do not collapse every day, when they do, people can be injured or killed. […]

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Building A Better Summer Camp Experience

Careful planning can help keep summer camp fun and safe. Spring is a busy season for parents reserving spots for their children in summer camps and activities, and many health, tennis, racquet and athletic clubs are starting to ramp up for summer. If you are a club […]

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The Insurance Side of House Flipping

Remember insurance needs when flipping a house. It’s now a popular reality TV show scenario: A young, ambitious couple purchases a foreclosed property and flips it for a huge profit. This quick cash flow seems too good to be true… and certainly can be. The thrill of […]

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Planning a Hotel or Motel Stay? Think About Fire Safety

Count the doors between your room and the exit. An estimated 3,900 hotel and motel fires are reported each year in the United States. Use these tips to ensure that you stay safe during your vacation or business overnight. Plan Ahead Choose a hotel or motel that […]

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